Samuel Fishman Advises on Handling Uninsured or Underinsured Parties in Insurance Claims

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Car Accident

Pennsylvania law requires all motorists in the state to carry automobile insurance. Driving without insurance is illegal and could result in legal fines, suspension of licence and registration, and even jail time.

If you have been involved in an accident in Philadelphia, seek immediate medical treatment for your injuries and talk with a Car Accident Attorney in Philadelphia about your case.

Pennsylvania Is A No-fault Insurance State

Pennsylvania is a choice no-fault state.

Pennsylvania requires drivers to carry personal injury protection (PIP). PIP covers your medical care and treatment. It also protects passengers in your car who suffer injuries in the accident.

Pennsylvania requires motorists to choose between limited or full tort coverage.

Philadelphia motorists can opt into the no-fault system by choosing limited tort coverage or opt out of the no-fault system by choosing full tort coverage.

Under the no-fault system, insurance premiums are affordable, but motorists cannot pursue a claim against drivers who cause crashes to recover damages such as pain and suffering unless their injuries are severe and fall within an exception to no-fault rules.

Under full tort coverage, motorists can pursue a claim against the driver who causes an accident. They can settle out of court or file a lawsuit to recover compensation for medical bills, lost wages, pain and suffering, and emotional distress.

How Insurance Works In Pennsylvania?

Every driver in Pennsylvania must carry minimum insurance coverage for the following amounts:

$15,000 per person in bodily injury liability coverage,
$30,000 per accident in bodily injury liability coverage, and
$5,000 in coverage for property damage

The minimum amount of medical benefits coverage in Pennsylvania is $5,000.

It is essential to keep in mind that these requirements are just the bare minimum.

What To Do When An Uninsured Driver Crashes Into Your Car In Philadelphia?

Failure to have necessary insurance coverage can result in fines and vehicle impoundment in Pennsylvania.

Filing a lawsuit against an uninsured driver does not guarantee compensation for your damages. If the uninsured driver does not have the assets or income to pay the verdict, you do not receive anything for the lawsuit. However, all is not lost if an uninsured driver collides with you. You can use your policy to make up the difference in coverage. If you have uninsured motorist coverage, you might receive compensation from your insurers.

Even if the other driver is uninsured, it is crucial to obtain the driver’s name, contact information, licence plate number, and vehicle make and model.

Your uninsured motorist coverage may pay damages for an accident if you prove the following:

The other driver was responsible for the accident
The other driver did not have insurance coverage
You suffered injuries in the accident
You sustained damages because of the accident

What Happens When A Motorist Who Causes An Accident Is Underinsured?

A substantial number of individuals in Philadelphia drive without adequate insurance coverage.

Under-insured motorists carry liability insurance, but their policy limits are too low to cover property damage or medical bills. Philadelphia drivers can supplement their insurance coverage by adding underinsured motorist protection to their policies.

Underinsured motorist coverage (UIM) kicks in when the other driver’s policy doesn’t cover your bodily injury expenses.

When filing a claim with your insurance company for an accident involving an uninsured motorist, you must prove that the uninsured driver was at fault.

After a collision, you can file for benefits under your PIP policy to pay for medical bills, lost wages, and other damages.

Car Accident Lawyers Committed To Upholding Justice And Safeguarding The Rights Of Their Clients

Not all lawyers are equally qualified to handle accident cases involving uninsured/underinsured drivers. An attorney’s inexperience can cost a client both time and money.

At The Law Offices Of Samuel Fishman, we can help you file a claim under your uninsured/underinsured motorist (UM/UIM) policy. We can also determine if you have other legal options to pursue compensation.

Our car accident lawyers prepare such cases effectively and efficiently.

At our Philadelphia personal injury law firm, we possess the resources to investigate the accident, gather critical evidence, examine records, and review various reports.

If you or a loved one have suffered injuries at the hands of a negligent uninsured or underinsured driver in Philadelphia, take the necessary steps to protect your legal rights and secure your and your family’s future. Schedule your free consultation with an experienced Attorney at The Law Offices Of Samuel Fishman today. Our firm has the resources, expertise, and talent necessary to recover the compensation you deserve.

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